A financial-planning helper for open questions about spending, affordability, budgeting, and money decisions. It uses transaction data, account balances, and your financial profile.

Use it to assess whether you can afford something, decide how much to spend, compare financial trade-offs, or plan a budget.

It helps answer whether a purchase fits your situation without relying only on the purchase price or a general rule of thumb.

finance — Skill for Claude Code and Codex by ignaciohermosillacornejo

Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent

npx skills add ignaciohermosillacornejo/copilot-money-mcp --skill finance

Clone the repo

git clone --depth 1 https://github.com/ignaciohermosillacornejo/copilot-money-mcp

Made for: Claude Code, Codex.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

README.md

[![agentmods](https://agentmods.dev/badge/skills/ignaciohermosillacornejo/copilot-money-mcp/finance/github.svg)](https://agentmods.dev/skills/ignaciohermosillacornejo/copilot-money-mcp/finance)

Your own site

<a href="https://agentmods.dev/skills/ignaciohermosillacornejo/copilot-money-mcp/finance"><img src="https://agentmods.dev/badge/skills/ignaciohermosillacornejo/copilot-money-mcp/finance/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

Your own site · 80×15

<a href="https://agentmods.dev/skills/ignaciohermosillacornejo/copilot-money-mcp/finance"><img src="https://agentmods.dev/badge/skills/ignaciohermosillacornejo/copilot-money-mcp/finance.svg" alt="Reviewed on agentmods" width="80" height="20"></a>

Per session 68 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.

When invoked 3,008 The whole file, excluding the scripts and references it only reads on demand.

Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe. Third-party audits

NVIDIA SkillSpector warn 7 Sept 2026

SkillSpector: 1 finding, up to medium

These are SkillSpector’s own severities. On a checked sample its high-severity flags on skills were ~96% false positives — a documented command, a public API, a “never do X” rule — so we show them as a caution to read, not a verdict. Why →

medium Rogue Agent · line 25
Skill establishes unauthorized persistence across sessions via cron jobs, startup scripts, or state files. Session persistence allows an attacker to maintain access beyond the current interaction.

Fix: Remove any persistence mechanisms (cron jobs, startup scripts, state files). Skills should not maintain state across sessions without explicit user consent.

How audits are shown

Origin original No closer match found in the catalogue.

Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

Model	Per session	Once invoked
Fable 5.1	$0.00068	$0.03008
Opus 5.5	$0.00027	$0.01203
Sonnet 5.5	$0.00014	$0.00602
Haiku 4.5	$0.00007	$0.00301

Measured 10d ago against content hash 843e121f38f9, method: parsed. Prices are Anthropic first-party input rates as of 2026-10-07, from the pricing page.

Security

Grade A, and why

finance scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 10d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

skills/finance/SKILL.md · 170 lines

How it starts

The opening of the file, as written. The whole thing — 170 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Finance — Financial Advisor

When to use

Open-ended financial questions: "can I afford X?", "should I buy X?", "how much can I spend on Y?"
Affordability checks for any purchase amount, from coffee to a car
Any financial reasoning question that doesn't fit a more specific skill

Do NOT use if

The user wants a status check or check-in → use /finance-pulse
The user wants to categorize, fix, or clean transactions → use /finance-cleanup
The user wants to track a trip's expenses → use /finance-trip
The user wants to reconcile Amazon orders against transactions → use /amazon-sync

Answer open-ended financial questions using transaction data, account balances, and the user's financial profile. This is the thinking skill — it reasons about affordability, tradeoffs, and financial decisions.

Phase 1 — Understand the Question

Read the user profile at ~/.claude/copilot-money/user-profile.md. If the file doesn't exist: run mkdir -p ~/.claude/copilot-money, then copy skills/user-profile.template.md (relative to the copilot-money-mcp repo root) to the profile path. First-time bootstrap may require CWD = repo root for the template read. You need:
- Income & Obligations (for Free Money calculation)
- Savings & Goals
- Irregular Expenses
- Account roles (which account pays for what)
If the profile is mostly empty, suggest: "I need some baseline numbers to answer this well. Want to run /finance-pulse first to set up your profile?"
Classify the question by magnitude:
- Small (<$50): Quick check. One sentence answer.
- Medium ($50-500): Budget context. Does it fit in Free Money?
- Large ($500-5K): Full dual-check (budget + cash flow) + tradeoff analysis.
- Major (>$5K): Multi-month projection, impact on savings goals, seasonal context.
Check the mode, then pull relevant data. The tool names differ by server mode. If the tool list has get_transactions_live (live), you are in live mode — always the case when write tools are on. If it has get_transactions (cache) instead, you are in cache mode. Call only the tool for your mode. Based on the question:
- Current balances: get_accounts_live (live) / get_accounts (cache).
- Month-to-date spending: get_transactions_live (live) / get_transactions (cache) with period: "this_month". The default terse row carries what this skill reasons about (amount, date, name, category_name).
  - In live mode add fields: ["default", "type"] to get_transactions_live (live), so the spend recipe in 2.1 can keep REGULAR rows only.
  - In cache mode add fields: ["default", "original_name"] to get_transactions (cache) when you are going to SHOW transactions: Rule 6 asks for the full merchant name, and original_name is not in the default row. Live rows have no such field; show name.
- Upcoming obligations: get_upcoming_recurrings_live (live) for bills due soon and get_recurring_live (live) for the full list, or get_recurring_transactions (cache).
- The category list, for the category the question is about: get_categories_live (live) / get_categories (cache). Compute the category's spending from the transaction rows (2.1), not from this tool.
- Savings targets that might be affected: get_goals (both modes).

Read the full file on GitHub · 170 lines

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

10d ago Changed · +13 lines 843e121f38f9
1mo ago Changed 0d5e3e46be68
2mo ago First seen · 157 lines · 68 tokens per session scan A 242d844a68af

Subscribe to this mod's changes

finance is a skill published in the GitHub repository ignaciohermosillacornejo/copilot-money-mcp (86 stars, last pushed 3d ago), licensed MIT. It adds 68 tokens to every session and 3,008 once invoked, about $0.0003 per session on Opus 5.5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-30.

Finance and fintech TypeScript bun copilot-money leveldb mcp personal-finance

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